---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-163087"
form_type: "8-K"
ticker: "NWFL"
cik: "0001013272"
company_name: "NORWOOD FINANCIAL CORP"
filed_at: "2025-07-23T23:59:59+00:00"
generated_at: "2026-05-18T03:04:27.118766+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial Q2 net income $6.2M, EPS $0.67, up 29% YoY; NIM expands to 3.43%

## Summary
- Q2 net income $6.2M vs $4.2M a year ago; diluted EPS $0.67 vs $0.52, a 29% increase.
- Net interest margin (FTE) 3.43%, up 63 bps YoY and 13 bps linked-quarter.
- Total loans $1.791B (+9.1% YoY), deposits $1.997B (+10.3% YoY).
- Return on assets 1.06% vs 0.75%; efficiency ratio improved to 58.7% from 66.7%.
- Tangible book value per share $21.17, up from $19.85 at Dec 31, 2024.

## SEC filing metadata
- accession: 0001193125-25-163087
- form_type: 8-K
- ticker: NWFL
- cik: 0001013272
- company_name: NORWOOD FINANCIAL CORP
- filed_at: 2025-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1013272/000119312525163087/0001193125-25-163087-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1013272/000119312525163087/d23216d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-163087
- JSON: https://secwatch.observer/filing/0001193125-25-163087.json
- Plain text: https://secwatch.observer/filing/0001193125-25-163087.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.